3945 River Trace Dr, Diberville, MS 39540 Property Records

Harrison County property record for 3945 River Trace Dr, Diberville, MS 39540

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,606 sqft · built 2016
Owner	Individual Name on File
Last Sale	$206,000 (Jun 2018)
Tax Bill	$3,209 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Jun 2018 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`1407L-01-005.026`

Property Details

APN / Parcel Number

Primary APN	`1407L-01-005.026`
Alternative APN	`140675`

Interior

Full Baths	1 Bath
Building Area	1,606 sqft Adjusted Area
1st Floor Area	1,191 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Pool Area	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	140675
Street Address	3945 RIVER TRACE DR
City	DIBERVILLE
State	MS
Zip	39540-5556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 RIVERS EDGE SUBD PH 2A SEC 1 SEC 33-6-9
Legal Range	09
Legal Township	06
Legal Section	33
Legal Subdivision	RIVERS EDGE SUBD PH 2A SEC 1
Legal Phase	2A
Legal Lot Number	2
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1040
Census Tract	3405

Owner

3945 River Trace Dr is owned and occupied by an individual who bought it in June 2018.

Source: Harrison County records, as of December 15, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3945 RIVER TRACE DR, DIBERVILLE, MS 39540-5556
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2018	Deed of Trust, Mortgage USAA FSB
Jun 14, 2018	Warranty Deed, Transfer
Jun 14, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2018 · Amount on File
Deed Sale	Jun 14, 2018 · Amount on File
Prior Sale	Jun 14, 2018
Deed Document Number	2018-0001306-D-J2
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	3945 RIVER TRACE DR, DIBERVILLE, MS 39540-5556
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	20180001717TJ2
Date	Jun 14, 2018
Instrument	2018-0001717-T-J2

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Jun 14, 2018
Property Address	3945 RIVER TRACE DR, DIBERVILLE, MS 39540-5556
Document Number	20180001306DJ2
Instrument Date	Jun 14, 2018
Instrument	2018-0001306-D-J2
Transaction Type	Transfer
Record Updated	Nov 6, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	957 GREYSTONE DR, BILOXI, MS 39532-2251

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3945 RIVER TRACE DR, DIBERVILLE, MS 39540-5556
Investor	Possibly a Property Investor

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Jun 14, 2018
Property Address	3945 RIVER TRACE DR, DIBERVILLE, MS 39540-5556
Document Number	0020181306
Instrument Date	Jun 14, 2018
Instrument	2018-1306
Transaction Type	Transfer
Record Updated	Nov 6, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3945 RIVER TRACE DR, DIBERVILLE, MS 39540-5556
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3945 River Trace Dr was $3,209, up 4.3% from the year before.

Source: Harrison County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Harrison County
Municipality	D'Iberville City
Unified School District	Harrison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,209.00 (+4.26%)	$28,202	$188,015 Land $45,000 Building $143,015
2024	$3,078.00 (-0.48%)
2023	$3,093.00 (-0.64%)	$27,098	$180,650 Land $45,000 Building $135,650
2022	$3,113.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3945 River Trace Dr in Zone X, an area of moderate flood risk, though there have been 40 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective April 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 194 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	194 in force
Nearby Flood Claims	40 (2005–2026)
Claims Outside the SFHA	18 of 40
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Tropical Storm Arthur, Jun 2026 · 3 claims Hurricane Ida, Aug 2021 · 17 claims Hurricane Katrina, Aug 2005 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3945 River Trace Dr is high, ranking above 78% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 78% of the US · above 95% of Mississippi
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Sparklight Cable	1,000 / 50
C Spire Wireless Fixed Wireless	100 / 20

May also be available: CoastConnect.

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